> ## Documentation Index
> Fetch the complete documentation index at: https://rain-sandbox-trial.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# User Balance

> Read a user's credit limit, pending and posted charges, balance due, and spending power. Use these metrics for managing user accounts and tracking spending.

Call [Get a user's credit balances](/reference/balances/get-a-userss-credit-balances) to read the balance metrics for one user. All amounts are integers in cents.

## How balances are calculated

The response provides these fields:

| Field                     | Description                                                                                                                                                       |
| ------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `creditLimit`             | The maximum credit assigned to the user.                                                                                                                          |
| `pendingCharges`          | Transactions that are authorized but not yet finalized.                                                                                                           |
| `postedCharges`           | Transactions that have been finalized or settled.                                                                                                                 |
| `balanceDue`              | The total amount the user owes.                                                                                                                                   |
| `spendingPower`           | The remaining credit available to the user: the credit limit minus everything outstanding (pending, posted, due, and any in-flight transfer or bill-pay holds).   |
| `currency`                | The balance currency, when set for your program.                                                                                                                  |
| `timelockedWithdrawals`   | Informational: the total of the user's initiated time-locked withdrawals. Not subtracted from `spendingPower`.                                                    |
| `spendingPowerWithWallet` | Only on programs that pull funds from customer wallets at authorization time: `spendingPower` plus what Rain can currently pull from the user's wallet allowance. |

<Info>
  A pending refund doesn't raise `spendingPower`. Refund value lands only when
  the refund settles.
</Info>